Soooo sick, so gross, blech.Sorry I didn't post yesterday, by the time we got home from church I just went to bed. The sicky-ness I had a few days ago came back full-force. I try to stay away from medications, but I gave in a few hours ago and took some generic day-quil. I did get SOME things done, just none house related.

Night before this night - I did laundry, woo!This night: I worked on a super secret project, yay! I also did the workout, even though I shouldn't have. I also did some major financial work and we've now consolidated our debt.

Debt Consolidation

All non-student loan debt will be gone in 10 months and we're saving over $1000 in interest (It's only a 6k debt) by consolidating. If you have a lot of "little" debts with high interest rates, you have a solid income, you have a great credit score, and you're wanting to put more than the minimum payment down - look into your options for consolidation. We went the peer-to-peer lending route and it's working out great. We're already fully funded, I just need to confirm the bank account and we're looking at a 12% APR compared to 21%. Bam! I like our lender because there's no pre-payment penalties and the "fee" was significantly less than other options such as balance transfers. Balance transfers wouldn't work for us because the cards we used are in my name, and the income is in my husbands (under new-ish lending laws, the individual NOT household income is used to determine credit eligibility, so I can't get a new CC). Balance transfers need to have the same named cardholder. Also, it wasn't a good option for us. Also, installment loans are a "higher quality" of credit and look better on credit scores than a CC.

Sorry for the totally crappy writing today, I'm just so sicky. BLARGH.

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Jes is a twenty-something wife and mother to four fur-babies and an angel in heaven. She's also pregnant with a rainbow baby! She likes to blog because it keeps her accountable and makes her feel like the English Ed. degree wasn't a total waste!